Pillar II · Templates · Forthcoming Q2 2026
The buy-vs-rent math, done honestly.
A hold-period IRR comparison of ownership vs. leasing — for residential, commercial owner-occupied, and investment-property use cases. Tax-adjusted, opportunity-cost-aware, and transaction-cost honest. The math your typical online calculator skips.
What it is
3 use cases
Residential personal, commercial owner-occupied, investment property.
XLSX
Single workbook with three side-by-side IRR comparisons.
$12
$19 retail. 30 days no-questions refund.
Who this is for
Personal investors
Buying a primary residence vs. renting. The decision lives or dies on hold period and transaction costs — both modeled explicitly.
Small business owners
Buying owner-occupied commercial vs. signing a lease. Tax-adjusted comparison with SBA financing options modeled.
CRE pros for personal use
Apply institutional-grade math to a personal real estate decision. Quickly defensible to a spouse or financial advisor.
Advisors
Standing reference for client decisions. Same model, different inputs, comparable across clients.
What's in the file
- Residential variant (primary residence)
- Commercial owner-occupied variant
- Investment-property variant (passive income)
- Tax adjustments (MI deduction, SALT, depreciation)
- Opportunity cost of capital modeling
- Transaction cost honesty (entry + exit)
- Cross-over hold period output
- Sensitivity table: appreciation × hold period
FAQ
Personal residence treatment?
Capital-gain exclusion ($250K single / $500K joint), MI deduction with current SALT cap, alternative-use-of-down-payment modeling.
SBA / 504 financing for owner-occupied?
Owner-occupied variant supports SBA 504 financing with the typical loan-tranche structure and the rate spreads modeled explicitly.
Refund policy?
30 days, no questions, no forms. Email support@valoreregistry.com.
Pricing
Retail at release $19
Founders' price (first 14 days) $12
Single XLSX delivery. Free point-update releases for 12 months. Informational only — not investment, tax, or financial advice. Personal decisions warrant qualified advisor engagement.